Shopping in your style
Direct Card
from Flanco
The co-branded credit card that accompanies you during shopping wherever you are, online or in person, in any store. Additionally, you also enjoy extra benefits.
How do you apply for a card
Direct in Flanco stores. If you have the income reported to ANAF, it is enough to have only the original identity document with you.
5% bonus
on the card
For any full payment in Flanco stores, you get 5% bonus back on the card.
0% interest
You have 0% interest if you return the full amount in the grace period of up to 55 days.
Safe payments
Confirm payments simply and intuitively directly from your phone using face ID, fingerprint or another unlocking method of your phone.
SMS Alert
You receive an SMS after each transaction and find out the updated available amount. The first 3 months are free, then the cost will be 5 lei/month.
Cash withdrawals
You can withdraw money from any ATM. In addition, if you want to find out the cost, send an SMS to 3750 with the amount you wish to withdraw and the number of days in which you will return the money.
Rate Anywhere
You can turn into installments (from 3 to 36) any purchases over 500 lei.
You buy at least 500 lei, with full payment
We are sending you an SMS to inform you that you can convert the amount paid into 3 interest-free installments or 4–36 easy installments, with only 1.25% interest per month
You have 3 days from receiving the SMS to decide if you want to choose installment payment and to respond to the received SMS
You have control, directly from BT Pay
All your cards directly on your phone, always at hand, just a tap away. You pay quickly, wherever you are.
You download the app from the App Store or Google Play
AddDirect Flanco Card in the section “Add a BT card”
You complete with your card details and confirm with the code received by SMS
You make payments directly with your phone
Just unlock your phone and pay, you won't need to enter the PIN at the POS anymore.
You can find details about the card's dates
The card number, the CVV code and the expiration date, everything you need for fast and secure online payments, directly in the app.
You confirm online payments
Enable online payment approval and quickly confirm each transaction with biometric data or the phone unlock method.
You check the transactions quickly
You check the balance of your cards and see the details of the transactions made with the card. If you have a Garmin or Fitbit device, you can enroll the Direct Card in the payment applications.
Conditions for granting & payment methods
Minimum income of 1,000 lei
The minimum age of 18 years
Salaries, pensions or other types of stable income for at least 3 months
How do you redeem the loyalty bonus
For any eligible* purchase made in Flanco stores and on flanco.roYou receive 5% back in the form of a bonus, which you can convert into cash on the card at any time by calling 021.308.4000 or monthly via SMS
*Full payment or Easy Installments, through the Anywhere Installments program
Lunar, we send you an SMS with the bonus value, you reply anytime in the next 3 days with the text bonus + its value, as follows: "BONUS XX lei".
The second day after receiving our confirmation, you will find the bonus on the card
Find out more information about the campaign regulations,here.
Frequently asked questions
Yes, you can refinance any loan or credit card you hold, through Direct Cardor through credit, provided that supporting documents are presented.
Through the program of Rate Anywhere, you can convert into installments (from 3 to 36), any purchase over 500 lei. At the time of full payment that exceeds this amount, we will send you an SMS informing you that you can convert the paid amount into 3 Rates without Interest or in 4–36 Easy Installments, with only 1.25% interest per month.
You have 3 days from receiving the SMS to decide if you want to convert the transaction into installments and to respond to the received SMS. In the next statement, you will see the cancellation of the transaction with full payment and the first installment of the purchase made.
Everything from the app, in real time
Scan the QR code and download the BT Pay application.